Is this 5-fund portfolio good for 25 years of growth?

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  • #132449 Reply
    USER

      • 35% VTSAX (US total market)
      • 20% SCHG (US large-cap growth)
      • 20% VTIAX (international)
      • 10% SMH (semiconductors)
      • 15% SCHD (dividend equity)

      35 yo. Looking for growth for the next 25 years. Any recommendations?

      How does this look.

      #132450 Reply
      Joseph

        Personally, I don’t diversify much outside of Nasdaq and 500 funds given that my time horizon is 30 years.

        I think as I reach the last decade before retirement, then I’ll start diversifying a bit more.

        But that doesn’t stop me from buying individual stocks too haha

        #132451 Reply
        Eneet

          Also 35 and have similar goal as you. To add more focus (and risk), I’d lessen/remove VTIAX, VTSAX and replace with other indexes where I think there more growth (e.g. VCR, VOX).

          The SCHG is great and has exposure to companies like GOOG, TSLA, NFLX, AMZN, META but enough for my likings as I believe in those companies (as an investor)

          #132452 Reply
          Heleine

            Your portfolio looks solid for growth! It’s well-diversified with a good mix of US and international stocks, plus some sector-specific exposure.

            For your age and time horizon, it seems like a reasonable allocation.

            #132453 Reply
            Elena

              Why dividend equity if you are looking for growth? Maybe take Nasdaq instead?

              #132454 Reply
              Lee

                Good but maybe do 10% international instead of 20%. Add 10% S&P500.

                #132455 Reply
                Jennifer

                  VTSAX and SCHG got you riding the U.S. market momentum, SMH gives you that high-beta tech juice, and SCHD adds stability with dividends.

                  Just keep an eye on sector weightings—too much overlap can cap upside.

                  You’re positioned well for long-term compounding.

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